Is there an online list or schedule or chart that I could use to help me decide when to stop paying for total coverage on my truck and/or motorcycle? It seems like it might be a good idea to scale it down, but I don't know.

It was raining moderately this morning, and since I ride my bike it gets a little wet. Actuall even if it's just drizzling I get drenched and if I don't wear glasses I can get some bodacious eye damage from raindrops. I grabbed a hand-towel to sit on and my baja blanket, and draped it across my lap like somebody's grandma. I don't know how it stayed put while riding, but it kept most of my legs dry.